The company operates as the bank holding company for Oak Valley Community Bank serving individuals and small to medium-sized businesses in the Central Valley and Eastern Sierras. Oak Valley Bancorp opened its 19th branch in Lodi (October 2025), demonstrating regional expansion focus in its core market segments.
Cyborg Score Rationale
Revenue has increased 4.1% year-over-year with equity up 12% YoY, but return on invested capital declined 11% year-on-year and ROE contracted 11% YoY. Regional focus and steady dividend income provide stability, though profitability metrics show deterioration.
Top Insights
Q4 2025 EPS of 76 cents versus 73 cents in the prior year showed earnings growth (January 2026).
OVLY declared a quarterly dividend of $0.30 per share, or $1.20 annualized.
Weekly volatility has been stable at 5% over the past year.
Current price-to-sales is 21% higher than the 5-year quarterly average, suggesting elevated valuation relative to historical norms.
Named Competitors
Sierra Vista Bancorp — Regional bank serving California's Central Valley
Rabobank — Community bank with Central Valley presence
Wells Fargo — Largest national banking competitor with regional branches
Recent Developments
(January 2026) Reported Q4 EPS of 76 cents versus 73 cents prior year
(October 2025) Opened 19th branch in Lodi
(June 2025) Director retirements and new director appointment announced
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